Choose Traditional or Roth

We offer a traditional IRA Option as well as a Roth option for both Savings and Certificates of Deposit (CD).

IRA Savings

Interest compounded daily

FDIC Insured

$250 initial deposit

IRA Certificate of Deposit (CD)

Interest compounded daily

FDIC Insured

$1,000 initial deposit

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Our Rates

Don't settle for meager interest rates. Our evolved banking model allows us to offer better rates and reduced fees for customers.

Tier Minimum Deposit Balance Requirements APY* Rate
Tier 1 $250 Less than $1,000 0.15% 0.15%
Tier 2 $250 $1000+ 0.70% 0.70%
Term APY* Rate
12 Month 0.60% 0.60%
18 Month 0.70% 0.70%
36 Month 0.75% 0.75%

Compare a Traditional IRA Account to a Roth IRA Account

TRADITIONAL IRA

A traditional IRA may make sense if you:


  • right arrow blue Are eligible for a Traditional IRA deduction
  • right arrow blue Are not eligible to contribute to a Roth IRA
  • right arrow blue Anticipate a HIGHER tax rate while saving
  • right arrow blue Anticipate a LOWER tax rate during retirement
  • right arrow blue Are not concerned about tax implications
  • right arrow blue Plan to withdraw at least the required minimum distribution amounts during retirement
ROTH IRA

A Roth IRA may make sense if you:


  • right arrow blue Are not eligible for a Traditional IRA deduction
  • right arrow blue Are not eligible to contribute to traditional IRA due to age limit
  • right arrow blue Anticipate a LOWER tax rate while saving
  • right arrow blue Anticipate a HIGHER tax rate during retirement
  • right arrow blue Are concerned with tax implications to beneficiaries

Ready to apply?

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